Union County property record for 4108 Cedar Point Ave, Matthews, NC 28104
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,397 sqft · built 2003 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Individual Name on File |
| Last Sale | $500,000 (Jun 2023) |
| Tax Bill | $3,489 (2025) |
| Deeds & Mortgages | Jun 2023 Sale & Mortgage Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-147-323 |
| Primary APN | 07-147-323 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 2,397 sqft Living Area |
| Gross Area | 2,853 sqft |
| 1st Floor Area | 1,260 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Conventional |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 5,663 sqft (0.13 acres) |
| Garage Type | Attached |
| Garage Area | 456 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 4108 CEDAR POINT AVE |
|---|---|
| City | MATTHEWS |
| State | NC |
| Zip | 28104-8737 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | MR STALLIN |
| Legal Description | #43 CHESTNUT OAKS PH1 MP2 OPCH065 |
| Legal Subdivision | CHESNUT OAKS |
| Legal Lot Number | 43 |
| Jurisdiction | UNION NC |
| Township / Civil Division | VANCE |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 20314 |
4108 Cedar Point Ave, a rural home, is owned and occupied by an individual who bought it in June 2023.
Source: Union County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4108 CEDAR POINT AVE, MATTHEWS, NC 28104-8737 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 16, 2023 | Warranty Deed, Transfer · Conventional Mortgage FARMERS BANK & TRUST |
| Aug 12, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 16, 2023 · Amount on File |
| Deed Sale | Jun 16, 2023 · Amount on File |
| Prior Sale | May 26, 2006 · Amount on File |
| Deed Document Number | 202314525 |
| Deed Book / Page | 8729 / 313 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Jun 16, 2023 |
| Property Address | 4108 CEDAR POINT AVE, MATTHEWS, NC 28104-8737 |
| Document Number | 0008729313 |
| Book / Page | 8729 / 313 |
| Map Reference | CAB H FILE 65 |
| Instrument Date | Jun 9, 2023 |
| Instrument | 14525 |
| Transaction Type | Transfer |
| Record Updated | Jul 7, 2023 |
| Title Company | NOT AVAILABLE, BROKER TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,000.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 448 KENSINGTON PARK WAY, WAXHAW, NC 28173-2201 |
| Name | Verified Name |
|---|---|
| Address | 4108 CEDAR POINT AVE, MATTHEWS, NC 28104-8737 |
| Document Number | 0000014526 |
|---|---|
| Date | Jun 16, 2023 |
| Instrument | 14526 |
| Name | FARMERS BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 4108 CEDAR POINT AVE, MATTHEWS, NC 28104-8737 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000777045 |
|---|---|
| Date | Aug 12, 2020 |
| Book Page | 7770/45 |
| Instrument | 30883 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23452 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
The 2025 property tax bill for 4108 Cedar Point Ave was $3,489.
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Stallings Town |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $511,300 (-) Land $85,400 Building $425,900 | $511,300 (-) Land $85,400 Building $425,900 | |
| 2025 | $3,489.00 | $511,300 Land $85,400 Building $425,900 | $511,300 Land $85,400 Building $425,900 |
| 2023 | $2,729.00 (+0.78%) | $324,000 (-) Land $55,000 Building $269,000 | $324,000 (-) Land $55,000 Building $269,000 |
| 2022 | $2,708.00 | $324,000 Land $55,000 Building $269,000 | $324,000 Land $55,000 Building $269,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4108 Cedar Point Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.
Source: FEMA National Flood Hazard Layer, effective September 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 1 (2018) |
| Most Recent Claim | Sep 2018 · Hurricane Florence |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 4108 Cedar Point Ave is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | UNION COUNTY WATER SYSTEM serves 169,685 people · EPA ID NC0190413 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2026 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | E. coli resolved · Mar 2020 Haloacetic acids resolved · Jul 2017 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 361 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ripple Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Windstream DSL · Fiber in parts of the area | 100 / 20 |
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